I've been with lloydsbank for now over 12 years and just over a half year ago I've found out that my account was miss sold to me when I first moved to UK. My English was very bad at the time and I just signed up to account with a monthly fee that would pay for car accident (I haven't got a driving licence) so clearly don't need that or a phone insurance (you could only claim that if your phone was registered with the bank) obviously at the time I had no idea about that and never registered any of my phones. Free account option wasn't being offered to me. When I've found out that I've been paying every month for services I couldn't use for obvious reasons I decided to make a claim and apparently I missed the deadline by few days. Prior to that I received a phone call from Lloyd bank complaint manager asking me questions about my complaint and he kept asking me how come my English is so good now and how come it was so bad 12 years ago ( I think this is disgusting! I felt like why on earth I dared to learn the language as now this man is accusing me of lies that I must have surely understood everything over a decade ago!)Well No! I have so many witnesses from my first job that I couldn't speak English! Anyway you know you've robbed me blind and probably lots of other people and you would do everything to get away with not giving me and others the money back. I don't think I've missed my deadline by few days but if I did you still know you've stolen from me and should have some decency and give it back to me.